I got my credit report so I know who and what I owe. I was going to start next month with the lowest amounts I owe and start paying them off. Now, should I call each one ask for a settlement amount? (Each one is at least 1 year old, so I think they would settle quite easily and nicely.)
Do I ask for something in writing before I pay? So then I can prove that I paid it off. Can I ask each one to make a note on my credit report to either say I paid it in full or to remove it? (and get that in writing?)
Should I contact the original place that held the debt or do I need to contact the collection agency it is with now?
Anything else I should know before I start dealing with the collection agencies again?
Thanks a bunch! I look forward to getting my credit score up!
Hi I'm Jim Phillips, I and welcome to my site. I thought I would take the time and provide some information about how I was able to tackle a huge load of debt, and eventually get on top of it. It wasn't easy, and it took quite a bit of time, but is was such a great feeling of accomplishment, that it was such a good story so I wrote up this blog.
